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Key Features

  • Competitive Rates
  • Local Processing
  • Quick Decisions


Use the equity you've built in your own home to make home improvements, consolidate debt, and more. The interest you pay might even be tax-deductible.1

      • Use your home equity to fund important expenses
      • Competitive fixed rates
      • Lower rates than credit cards
      • Fixed rates and monthly payments for easy budgeting
      • Includes biweekly payment options to save thousands in interest
      • Interest may be tax-deductible1
      • Discounted rates available when you make automatic payments from First Citizens Checking or Savings
      • Local decision-making and processing right here in Pennsylvania
      • Attentive, friendly service from start to finish



Before you drain your emergency fund, consider using the equity you've built in your home as a line of credit. Draw funds as you need them, and reuse without having to reapply. And you only need to pay interest on what you use.

      • Use your home's equity as a line of credit
      • Draw what you need, when you need it
      • Make a payment, then reuse without having to reapply
      • Competitive, variable rates
      • Lower than credit cards
      • Pay interest only on what you use
        • Interest may be tax-deductible1
      • Several convenient ways to access funds
        • Check
        • ATM
      • On-line transfer to your checking
      • Local decision-making and processing right here in Pennsylvania
      • Attentive, friendly service from start to finish




A First Citizens YourChoice Home Equity Line of Credit allows you to borrow what you need when you need it. Choose when to use it, and when to lock in a rate to protect yourself in a rising-rate environment. 


      • Funds can be used to satisfy whatever expense customers may have:
        • Home improvements
        • College education
        • Vacations
        • Debt consolidation
        • And more
      • No pre-payment penalties  

Competitive, Low Rates

      • Variable rate line of credit
        • Option to convert any balance to a fixed-rate loan and still have access to the remaining line of credit
        • As you pay the fixed-rate portion down, the available line increases
      • Usually lower rate than credit card or department store cards 


      • Funds can be accessed in a number of ways:
        • Check
        • ATM
        • Online transfer to your FCCB checking
        • Overdraft protection on a FCCB checking account
      • Can have up to 3 fixed-rate locks at one time
      • Only one payment
      • Interest may be tax deductible1



Click here to access our financial calculators.

1Consult your tax advisor.

Rate may increase after account is opened. All loans subject to credit approval.